Everyone's hyping up AI like it's the answer to everything—including how to buy a home. But here's the truth: ChatGPT is handing out outdated, generic advice with total confidence—and it's leading homebuyers straight into financial landmines.

In this episode, I break down the real risks of using AI during the mortgage process—from bad rate lock timing to totally made-up lender recommendations. I’ll share a real client story that’ll make you rethink trusting a robot with your money—and I’ll give you the exact steps to protect yourself from making costly decisions.

Whether you're thinking about buying a home now or later, this one could save you thousands.

What You’ll Learn in This Episode:

• Why ChatGPT is confidently wrong about how to buy a home
• The hidden cost of waiting to lock your mortgage rate
• A real-life client story where AI advice backfired—big time
• What “AI hallucination” means and how it affects your mortgage
• Why big-name lenders keep showing up in AI answers (and why that’s a red flag)
• The smarter way to compare lenders and protect your loan
• What to ask your loan officer to make sure you don’t get burned

Mentioned in the Episode:

• Want real answers from licensed pros? Text or call 615-955-0461
• Share this episode with someone who thinks ChatGPT knows mortgages
• Follow the podcast for more straight talk that saves you money and time

Schedule your free consultation- http://schedulewithkeithgo.com
Send me a message - keith@keithgo.com

Let’s get you from overwhelmed to confident.
Grab the free roadmap

Show Notes:
In This Episode, You'll Learn:
Why pre-approval isn't optional — it's the first move
How to choose the right realtor (and avoid common traps)
Why you should never skip checking comps before making an offer
The truth about appraisals, insurance quotes, and other deal killers
How to keep your transaction on track by being the MVP of your team

The 10-Step Homebuying Game Plan:

1. Get Pre-Approved
   • Don’t shop before you’re approved. Even lenders get pre-approved.
2. Choose the Right Realtor
   • Not Cousin Alice. Pick someone who fits your goals and price point.
3. Shop Smart
   • Ask for comps. Don’t overpay without proof.
4. Understand the Contract
   • Know your contingencies and timelines. Don’t just e-sign blindly.
5. Send the Contract to Your Lender
   • Don’t assume anyone else will. Confirm they received it.
6. Order the Appraisal Immediately
   • Delays = deal killers. Mold, code issues, etc. pop up here.
7. Get an Insurance Quote ASAP
   • Insurance premiums impact your loan. Get it Day 1.
8. Schedule Inspections Quickly
   • Don’t lose time or leverage by waiting.
9. Push for Underwriting Within 5 Days
   • Pre-approval is a guess. Underwriting is the real deal.
10. Stay Available and Engaged
    • Communicate like your keys depend on it — because they do.

Free Resource:
Download the First-Time Homebuyer Roadmap
Everything from this episode, simplified into a printable checklist.

Schedule your free consultation- http://schedulewithkeithgo.com
Send me a message - keith@keithgo.com

SHOW NOTES (Podcast Platform Friendly)
In This Episode:
I’m sharing the painful truth about how I almost lost my first home — and what I learned from it.
This story changed the way I approach home loans forever… and could save your deal, too.
You’ll Learn:
The difference between a “fast” pre-approval and a real one
The 7 steps every buyer should take (before, during, and after home shopping)
What to ask your lender, agent, and yourself before writing an offer
What not to do during escrow if you want to close on time
Grab the Free Checklist:
Are You Really Ready to Buy a Home?
Get Started Here: http://keithgo.com
Next Episode Preview:
Fixed vs. Adjustable Rates vs. Buydowns — what’s the difference, and which one’s best for YOU?
Don’t miss it — hit Subscribe now.

Schedule your free consultation- http://schedulewithkeithgo.com
Send me a message - keith@keithgo.com

Are you planning to buy a home in 2025 or beyond? In this episode of Yes! You Can Buy a Home, mortgage and real estate expert Keith Goeringer reveals the three biggest credit score changes coming in 2025 that could make or break your homebuying journey. From the impact of "buy now, pay later" loans to the removal of medical debt from credit reports, Keith breaks down how these changes could affect your mortgage approval and buying power. Whether you're a first-time homebuyer or looking to upgrade, this episode is packed with expert tips to help you prepare now and turn these changes into opportunities. Don’t wait until it’s too late—tune in to learn how to protect your credit and get one step closer to owning your dream home!

In this episode of Yes! You Can Buy a Home, Keith Goeringer dives into the biggest credit score changes in over two decades and what they mean for homebuyers. Here’s what you’ll learn:

1. Buy Now, Pay Later Loans on Credit Reports
   • How these loans will now impact your credit score and debt-to-income ratio.
   • Why timely payments could help—or hurt—your score.
   • Tips to manage these loans responsibly.
2. Medical Debt Disappearing from Credit Reports
   • Starting in 2025, medical debt won’t appear on credit reports.
   • How this could boost your score by 20+ points and increase mortgage approvals.
   • Why the debt isn’t erased—just hidden from lenders.
3. The Mortgage Credit Score Overhaul
   • Fannie Mae and Freddie Mac are switching to a new credit scoring model (VantageScore 4.0 and FICO 10T).
   • What this means for your mortgage approval chances.
   • Why some borrowers could see higher scores—and others might face challenges.

Keith also shares actionable steps to prepare for these changes, including:

• How to check your credit score accurately.
• Why you should treat "buy now, pay later" loans like credit cards.
• How to stay informed and turn these changes into opportunities.

Subscribe to Yes! You Can Buy a Home for weekly expert advice on buying your dream home. Share this episode with anyone who needs to know about these credit changes—it could save their homebuying journey!

Schedule your free consultation- http://schedulewithkeithgo.com
Send me a message - keith@keithgo.com

"Yes, You Can Buy a Home" Podcast – Episode-9
Ready to finally lock in your dream home at a price you can afford? In this episode, host Keith Goeringer – a mortgage and real estate expert with 23 years of experience – reveals the game-changing strategies you need to secure the lowest mortgage rates we've seen in four years.

But there’s a catch: As rates continue to improve, a buying frenzy is likely to hit, and if you wait too long, you could miss out on the best deals.

Discover two powerful strategies to lock in your rate before the crowd catches on:

1. Permanent Buy-Downs – Secure a lower rate for the life of your loan.
2. Temporary Buy-Downs – Enjoy reduced payments for the first 1-3 years while waiting for an ideal refinancing opportunity.

Plus, Keith shares real-life stories of buyers who turned the tables in their favor and how you can avoid getting stuck in a competitive bidding war.

Hit ‘Subscribe’ and get ready to navigate this market like a pro.

This episode is packed with actionable tips and insights you won’t find anywhere else. Tune in now and learn how to secure your dream home at the right price, at the right time.

• Subscribe to the Yes, You Can Buy a Home podcast for more expert tips, strategies, and insider knowledge.
• Share this episode with friends or family who are considering buying a home.
• Connect with Keith on social media for more updates and exclusive content.

Schedule your free consultation- http://schedulewithkeithgo.com
Send me a message - keith@keithgo.com

In this eye-opening episode of Yes, You Can Buy a Home, Keith Goeringer is joined by JT Thomas from Solutions Group Accounting Firm. Together, they break down the essential differences between CPAs and tax preparers—and why relying on the wrong professional could cost you tens of thousands of dollars. Whether you’re a first-time homebuyer, a seasoned property investor, or a business owner, this episode will teach you how the right team can save you time, money, and stress.

Key Takeaways:

• Why communication is the #1 issue clients face with accounting firms.
• How JT and his team saved a client over $50,000 through cost segregation.
• The shocking truth about tax preparers—no formal education required!
• Why a CPA is worth their weight in gold for proactive tax planning.
• The dangers of social media tax advice and how to filter the facts.

What You’ll Learn in This Episode:

How to Spot the Right CPA
Understand what makes a CPA different from a tax preparer, and why a CPA’s expertise can directly impact your financial success.

The Importance of a Team
Keith and JT discuss why having trusted experts like CPAs, mortgage lenders, and financial advisors on your team is crucial to managing your finances effectively.

Cost Segregation Explained
Learn how this powerful tax strategy can dramatically reduce your tax bill—and why most people have never heard of it.

The Pitfalls of Social Media Tax Advice
Discover why viral tax tips can often mislead you, and how to protect yourself by seeking advice from qualified professionals.

Quotes from the Episode:

• “A good CPA is worth their weight in gold—they don’t just file taxes; they help you save thousands.”
• “You wouldn’t go to a personal injury lawyer for a business contract. So why trust a tax preparer for complex tax strategies?”
• “The $50,000 we saved was life-changing for me—and none of my previous CPAs even brought it up.”

Resources Mentioned:

• Solutions Group Accounting – Get in touch with JT Thomas and his team.
• Contact JT directly: jthomas@solutionsgroupaccounting.com

Connect with Keith:

• Website: keithgo.com
• Instagram: @keithgoeringer
• Facebook: Keith Goeringer Mortgage

Subscribe & Review:
Love what you’re hearing? Subscribe to Yes, You Can Buy a Home and leave us a review to help us reach more people with expert advice on mortgages, real estate, and financial success!

Schedule your free consultation- http://schedulewithkeithgo.com
Send me a message - keith@keithgo.com

Buying land and building a custom home sounds like a dream, but let’s be honest—it’s usually a logistical and financial nightmare. In this episode, I sit down with Vanessa, a powerhouse in the world of custom home building, who’s completely redefined the process.

Forget construction loans, endless due diligence, and the stress of managing contractors. Vanessa shares how her team at Dalamar Homes does all the heavy lifting—from finding and purchasing the perfect piece of land to designing and building your dream home—all rolled into one streamlined, fixed-price package.

We dive into:
• Why the old way of building is broken and how Vanessa’s process fixes it.
• The time and money-saving benefits of this approach (think no hidden fees, no surprises, and lower insurance costs).
• How Dalamar Homes turns what’s usually a headache into an exciting, fun, and totally stress-free experience.

Whether you’ve been dreaming of building your custom home or just want to understand how to avoid the traps of the traditional land-and-build process, this episode is for you.

Spoiler alert: You don’t need a construction loan, a land loan, or a ton of extra patience. You just need Vanessa and her team.

Take the first step toward your dream home—hit play now.

Let me know if you’d like tweaks! This description matches your voice while keeping it engaging and focused.

Vannessa Myers
soldbyvmyers@gmail.com
615-877-1228
@vmyersrealtor

Schedule your free consultation- http://schedulewithkeithgo.com
Send me a message - keith@keithgo.com

In this inspiring episode of Building Dreams, One Home at a Time, Keith Goeringer sits down with Jessica Webster, a passionate real estate agent and educator who is transforming lives through homeownership. Jessica shares her heartfelt journey into real estate, the challenges she overcame, and her mission to empower first-time homebuyers. From the generational wealth her father built to her unique approach of blending authenticity and education, Jessica offers invaluable insights for anyone dreaming of owning a home.

Discover how Jessica helps clients turn fear into confidence, why having a game plan is crucial, and the power of starting small to build a brighter future. Whether you’re buying your first home or looking to grow your real estate knowledge, this episode will leave you motivated and informed.

Tune in to hear Jessica’s story and learn how to make your homeownership dreams a reality!

Schedule your free consultation- http://schedulewithkeithgo.com
Send me a message - keith@keithgo.com